Terms of Use

Life Europe (referred to herein as "Life", "we", "us" and "our") owns and operates this website and or mobile application. Your use of this site or mobile application is subject to the following terms and conditions.

1. Consent:

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE OR MOBILE APPLICATION. BY USING THIS SITE OR MOBILE APPLICATION, YOU AGREE TO THESE
TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, DO NOT USE THIS SITE OR MOBILE APPLICATION.
You acknowledge that these Terms of Use are supported by reasonable and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged. Without limiting the generality of the foregoing, you acknowledge that such consideration includes your use of the Site or Mobile Application
and receipt of data, materials and information available at or through the Site or Mobile Application, the possibility of our use or display of your
Submissions (as defined in Section 11 below) and the possibility of the publicity and promotion from our use or display of your Submissions.

2. Additional Terms:

Note that special terms apply to some services offered on the Site or Mobile Application, such as subscription-based services, product purchases, and rules
for particular contests or sweepstakes or other features or activities. These terms are posted in connection with the applicable service. Any such terms
are in addition to these Terms of Use and, in the event of a conflict, prevail over these Terms of Use.

3. Modification:

We reserve the right to modify or otherwise update these Terms of Use at any time and you agree to be bound by such modifications, updates and revisions.
You should visit this page from time to time to review the current terms. We may change the Site or Mobile Application or delete Content (as defined in
Section 5 below) or features of this Site or Mobile Application at any time, in any way, for any or no reason at our discretion.

4. Note Regarding Life Members:

Life Members are independent third party contractors of Life and are not otherwise affiliated with Life. Life
is not responsible or liable for the statements, acts or omissions of Life Members, whether through or in connection with the Life
websites, "offline," or otherwise. Without limiting the foregoing, you acknowledge and agree that Life has no control over, and is not
responsible or liable for, any text, images, or other information or materials posted by Life Members to any online sites or any materials
communicated by an Life Members to you. Life has not taken any steps to confirm the accuracy or reliability of any Life
Members or other materials communicated by an Life Members to you, and makes no representations or warranties as to the security of any
communications between you and any Life Members undertaken using Life Members Content (for example, email links posted by Life Members).

5. Copyright:

All information, materials, functions and other content (including Submissions as defined in Section 11 below) provided on this Site or Mobile Application
(collectively "Content"), such as text, graphics, images, etc., is our property or the property of our licensors and is protected by US and international
copyright laws. The collection, arrangement and assembly of all content on this Site or Mobile Application is our exclusive property and is protected by US
and international copyright laws. Except as stated herein or as otherwise provided in an express authorization from us, no material from the Site or Mobile
Application may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. Any unauthorized use of any material contained
in this Site or Mobile Application is strictly prohibited.

6. Trademarks:

Unless otherwise noted, the trademarks, service marks, trade dress, trade names, and logos (collectively "Trademarks") used and displayed on this Site or
Mobile Application are our registered and unregistered Trademarks and the Trademarks of our licensors. Nothing on this Site or Mobile Application should be
construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark displayed on the Site or Mobile Application. Our
Trademarks and those of our licensors may not be used in connection with any product or service that is not ours, in any manner that is likely to cause
confusion among customers, or in any manner that disparages or discredits us.

7. Back Offices:

Access to the Back Office is limited to those Life Members who have been granted such access by Life and is controlled through use of a username
and password. You agree that you will maintain the confidentiality of your username and password and will not disclose either your username or your
password to any other person or entity. You acknowledge that you are solely responsible for all activity at the Back Office that is conducted under your
username and password. You agree to promptly notify us of any unauthorized use of your username, password, or any other breach of security that you become
aware of involving or relating to the Back Office.

You acknowledge that access to and use of the Back Office by you is granted only if any applicable Back Office fees, if any are required, have been paid by
you to Life. Should you fail to pay any such fees when due, Life reserves the right to terminate your access to the Back Office. You
further acknowledge that the fee(s) required for access and use of the Back Office may be modified or changed by Life at any time at its sole
discretion and shall become effective no less than 30 days after Life has notified you of such change or modification. Notification of changes
or modifications shall be given to you by electronic mail to your email address on file and/or by posting to the Back Office. Your continued use of or
access of the Back Office shall constitute your acceptance of any such change or modification.

In order to access and use the Back Office you must setup an account. You agree to provide, maintain and update true, accurate, current and complete
information about yourself as prompted by our registration processes. You shall not impersonate any person or entity or misrepresent your identity or
affiliation with any person or entity, including using another person's username, password or other account information, or another person's name,
likeness, voice, image or photograph. You also agree to promptly notify us of any unauthorized use of your username, password, other account information,
or any other breach of security that you become aware of involving or relating to the Back Office.

We may suspend or terminate your account and your ability to use the Back Office or any portion thereof for failure to comply with these Terms of Use or
any special items related to a particular service, for infringing copyright, or for any other reason whatsoever.

8. Use of Site or Mobile Application and Content:

We grant you a limited license to access and make personal use of the Site or Mobile Application and the Content, subject to these Terms of Use. Neither
this Site or Mobile Application nor any portion of this Site or Mobile Application or any Content may be reproduced, duplicated, copied, sold, resold or
otherwise exploited for any commercial purpose that is not expressly permitted by us in writing, except that where the Site or Mobile Application is
configured to enable the download of particular Content, you may download one copy of such Content to a single computer for your personal, noncommercial
home use only, provided that you: (a) keep intact all copyright and other proprietary notices, (b) make no modifications to the Content, and (c) do not use
the Content in a manner that suggests an association with any of our products, services, or brands. We reserve the right to refuse services, and/or cancel
orders at our discretion if we believe that user conduct violates applicable laws or is harmful to our interests.

In the event that we offer downloads of software from this Site or Mobile Application and you download such software, the software, including any files,
images incorporated in or generated by the software, and data accompanying the software (collectively the "Software") are licensed to you by us or third
party licensors for your personal, noncommercial home use only. We do not transfer title to the Software to you. You may not distribute or otherwise
exploit the Software or decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-readable form.

9. Linking:

Links to third party web sites may be provided on this Site or Mobile Application. If so, they are provided solely as a convenience to you. If you use such
links, you will leave this Site or Mobile Application. We have not reviewed all such third party sites (if any) and do not control and are not responsible
for any of these web sites and their content. We do not endorse or make any representations about such web sites or any information or materials found
there, or any results that may be obtained from using them. If you access any third party web sites linked from this Site or Mobile Application, you do so
at your own risk.

No hyperlinks to this Site are permitted.

10. Claim of Copyright Infringement:

We respect the intellectual property rights of others. If you believe that your copyrighted property has been copied in any way that constitutes copyright
infringement, or your intellectual property rights have been otherwise violated, please provide our copyright agent the information specified below. Please
note that this procedure is exclusively for notifying us that your copyrighted material has been infringed. To be effective, the notification must be a
written communication that includes the following:

A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;

A description of the copyrighted work that you claim has been infringed upon;

A description of where the material that you claim is infringing is located on the Site or Mobile Application;

Your physical address, telephone number and email address;

A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or by the law; and

A statement by you, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on
the copyright owner's behalf.

We may give you notice that we have removed or disabled access to certain material by means of a general notice on the Site or Mobile Application,
electronic mail to a user's e-mail address in our records, or by written communication sent by first-class mail to your physical address in our
records. If you receive such a notice, you may provide counter-notification in writing to our copyright agent that includes the information below. To
be effective, the counter-notification must be a written communication that contains the following:

Your physical or electronic signature;

Identification of the material that has been removed or to which access has been disabled, and the location at which the material appeared before it
was removed or access to it was disabled;

A statement from you, under the penalty of perjury, that you have a good faith belief that the material was removed or disabled as a result of a
mistake or misidentification of the material to be removed or disabled; and

Your name, physical address and telephone number, and a statement that you consent to the jurisdiction of a Federal Court for the judicial district in
which your physical address is located, or if your physical address is outside of the United States, for any judicial district in which Life may be
found, and that you will accept service of process from the person who provided notification of allegedly infringing material or an agent of such
person.

Our Copyright Agent for notice of claims of copyright infringement on this Site or Mobile Application can be reached as follows:

For purposes of these Terms of Use, the word "Submissions" means text, messages, ideas, concepts, suggestions, artwork, photographs, drawings, videos,
audiovisual works, your and/or other persons' names, likenesses, voices, usernames, profiles, actions, appearances, performances and/or other biographical
information or material, and/or other similar materials that you submit, post, upload, embed, display, communicate or otherwise distribute on or through
this Site or Mobile Application.

We are always pleased to receive your comments, suggestions, and Submissions regarding this Site or Mobile Application, our products and services, and our
opportunity. If you transmit to us, post, or upload any Submissions to or through this Site or Mobile Application, you grant us and our affiliates a
non-exclusive, royalty-free, perpetual and irrevocable right to use, reproduce, modify, adapt, publish, translate, distribute and incorporate such
Submissions and the names identified on the Submissions throughout the world in any media for any and all commercial and non-commercial purposes.

By communicating a Submission to us, you represent and warrant that the Submission and your communication thereof conform to the Rules of Conduct set forth
in Section 14 below and all other requirements of these Terms of Use and that you own or have the necessary rights, licenses, consents and permissions,
without the need for any permission from or payment to any other person or entity, to exploit, and to authorize us to exploit, such Submission in all
manners contemplated by these Terms of Use. You agree that you shall not post or transmit to or from this Site or Mobile Application any unlawful,
threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material, or any other material that could give rise to any
civil or criminal liability under the law. See Section 14 below.

12. Accounts:

Some services on this Site or Mobile Application permit or require you to create an account to participate in or to secure additional benefits. You agree
to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes. You shall not
impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person's username,
password or other account information, or another person's name, likeness, voice, image or photograph. You also agree to promptly notify us of any
unauthorized use of your username, password, other account information, or any other breach of security that you become aware of involving or relating to
this Site or Mobile Application.

We may suspend or terminate your account and your ability to use the Site or Mobile Application or any portion thereof for failure to comply with these
Terms of Use or any special items related to a particular service, for infringing copyright, or for any other reason whatsoever.

13. Public Forums and Communication:

"Public Forum" means an area or feature offered as part of this Site or Mobile Application that offers the opportunity for users to distribute Submissions
for viewing by one or more Site or Mobile Application users, including, but not limited to, a chat area, message board, instant messaging, mobile
messaging, social community environment, profile page, conversation page, blog, or e-mail function.

You acknowledge that Public Forums and features offered therein are for public and not private communications, and you have no expectation of privacy with
regard to any Submission to a Public Forum. We cannot guarantee the security of any information you disclose through any of these media; you make such
disclosures at your own risk.

You are and shall remain solely responsible for the Submissions you distribute on or through the Site or Mobile Application under your username or
otherwise by you in any Public Forum and for the consequences of submitting and posting the same. We have no duty to monitor any Public Forum.

You should be skeptical about information provided by others, and you acknowledge that the use of any Submission posted in any Public Forum is at your own
risk. We are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in any Public Forum and we
specifically disclaim any and all liability in connection therewith.

We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to any Submissions
that you make to the Site or Mobile Application.

14. Rules of Conduct:

The following Rules of Conduct apply to the Site or Mobile Application. By using the Site or Mobile Application, you agree that you will not upload, post,
or otherwise distribute to the Site or Mobile Application any Submission that:

· is defamatory, abusive, harassing, threatening, or an invasion of a right of privacy of another person; (b) is bigoted, hateful, or racially or otherwise
offensive; (c) is violent, vulgar, obscene, pornographic, or otherwise sexually explicit; or (d) otherwise harms or can reasonably be expected to harm any
person or entity;

· is illegal or encourages or advocates illegal activity or the discussion of illegal activities with the intent to commit them, including a Submission
that is, or represents an attempt to engage in, child pornography, stalking, sexual assault, fraud, trafficking in obscene or stolen material, drug dealing
and/or drug use, harassment, theft, or conspiracy to commit any criminal activity;

· infringes or violates any right of a third party including: (a) copyright, patent, trademark, trade secret or other proprietary or contractual rights;
(b) right of privacy (specifically, you must not distribute another person's personal information of any kind without their express permission) or
publicity; or (c) any confidentiality obligation;

· is commercial, business related or advertises or offers to sell any products services or otherwise (whether or not for profit), or solicits others
(including solicitations for contributions or donations);

· contains a virus or other harmful component, or otherwise tampers with, impairs or damages the Site or Mobile Application or any connected network, or
otherwise interferes with any person or entity's use or enjoyment of the Site or Mobile Application; or

· does not generally pertain to the designated topic or theme of the relevant Public Forum; (b) violates any specific restrictions applicable to a Public
Forum, including its age restrictions and procedures; or (c) is antisocial, disruptive, or destructive, including "flaming", "spamming", "flooding",
"trolling", and "griefing", as those terms are commonly understood and used on the Internet.

We cannot and do not assure that other users are or will be complying with the foregoing Rules of Conduct or any other provisions of these Terms of Use,
and, as between you and us, you hereby assume all risk of harm or injury resulting from any such lack of compliance.

15. Removal of Submissions:

We reserve the right, but disclaim any obligation or responsibility, to (a) refuse to post or communicate or remove any Submission from the Site or Mobile
Application that violates these Terms of Use and (b) identify any user to third parties, and/or disclose to third parties any Submission or personally
identifiable information when we believe in good faith that such identification or disclosure will either (i) facilitate compliance with laws, including,
for example, compliance with a court order or subpoena, or (ii) help to enforce these Terms of Use and/or protect the safety or security of any person or
property, including the Site or Mobile Application. Moreover, we retain all rights to remove Submissions at any time for any reason or no reason
whatsoever.

16. International:

The Site or Mobile Application is intended for viewing and use in all countries in which Life is in operation. As a result, you are responsible
for compliance with applicable local laws.

17. Privacy:

Life respects your privacy and the privacy of other visitors to the Site or Mobile Application. To learn about our privacy practices and
policies, please see our Privacy Policy.

18. Children:

Life is committed to the safety of our children. Persons under the age of 18 may not enroll as Life Members or register as customers. Children
under the age of 13 may not purchase products through any of our Websites or Mobile Applications. Life does not solicit or knowingly collect
personally identifiable information from children under the age of 13.

19. Disclaimer of Warranties:

ALL CONTENT INCLUDED IN OR AVAILABLE THROUGH THIS SITE OR MOBILE APPLICATION (THE "CONTENT") IS PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT WARRANTIES
OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, AVAILABILITY, SECURITY, COMPATABILITY, AND
NONINFRINGEMENT. WE DO NOT WARRANT THAT THE CONTENT IS ACCURATE, ERROR-FREE, RELIABLE OR CORRECT, THAT THIS SITE OR MOBILE APPLICATION WILL BE AVAILABLE AT
ANY PARTICULAR TIME OR LOCATION, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE OR MOBILE APPLICATION OR THE SERVERS THAT MAKE SUCH CONTENT
AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS SITE OR MOBILE APPLICATION MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU
ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION. WE DO NOT WARRANT OR MAKE ANY REPRSENTAITONS REGARDING THE USE OR THE RESULTS OF
THE USE OF ANY CONTENT. YOU HEREBY IRREVOCABLY WAIVE ANY CLAIM AGAINST US WITH RESPECT TO CONTENT AND ANY CONTENT YOU PROVIDE TO THIRD PARTY SITES OR
MOBILE APPLICATIONS (INCLUDING CREDIT CARD AND OTHER PERSONAL INFORMATION). WE MAY IMPROVE OR CHANGE THE PRODUCTS AND SERVICES DESCRIBED IN THIS SITE OR
MOBILE APPLICATION AT ANY TIME WITHOUT NOTICE. WE ASSUME NO RESPONSIBILITY FOR AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS IN THIS SITE OR
MOBILE APPLICATION OR IN OTHER DOCUMENTS WHICH ARE REFERRED TO WITHIN OR LINKED TO THIS SITE OR MOBILE APPLICATION. SOME JURISDICTIONS DO NOT ALLOW THE
EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The Content of the Site or Mobile Application is not intended to, and does not, constitute legal, professional, medical or healthcare advice or diagnosis,
is not intended to be a substitute for such advice, and may not be used for such purposes. Always seek the advice of your physician with any questions you
may have regarding a medical condition. You should not act or refrain from acting on the basis of any of the Content included in, or accessible through,
the Site or Mobile Application without seeking the appropriate legal, medical, or other professional advice. Reliance on any information appearing on the
Site or Mobile Application is strictly at your own risk.

The Site or Mobile Application may contain the opinions and views of other users. Given the interactive nature of the Site or Mobile Application, we cannot
endorse, guarantee, or be responsible for the accuracy, efficacy, or veracity of any content generated by other users.

20. Limitation of Liabilities:

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES' RESPECTIVE RESELLERS, DISTRIBUTORS,
SERVICE PROVIDERS OR SUPPLIERS, BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES,
INCLUDING LOST PROFITS, PERSONAL INJURY (INCLUDING DEATH) AND PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, THAT RESULT FROM (A) THE USE OF, OR THE INABILITY
TO USE, THIS SITE OR MOBILE APPLICATION OR CONTENT, OR (B) THE CONDUCT OR ACTIONS, WHETHER ONLINE OR OFFLINE, OF ANY OTHER USER OF THE SITE OR MOBILE
APPLICATION OR ANY OTHER PERSON OR ENTITY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU
FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR $100
(WHICHEVER IS LESS) FOR ACCESSING OR PARTICIPATING IN ANY ACTIVITY RELATED TO THE SITE OR MOBILE APPLICATION. MOREOVER, UNDER NO CIRCUMSTANCES SHALL WE,
OUR LICENSORS OR LICENSEES, OR ANY OF THE FOREGOING ENTITIES' RESPECTIVE RESELLERS, DISTRIBUTORS, SERVICE PROVIDERS OR SUPPLIERS, BE HELD LIABLE FOR ANY
DELAY OR FAILURE IN PERFORMANCE RESULTING DIRECTLY OR INDIRECTLY FROM AN ACT OF FORCE MAJEURE OR CAUSES BEYOND OUR OR THEIR REASONABLE CONTROL.

WE MAY TERMINATE YOUR FURTHER ACCESS TO THE SITE OR MOBILE APPLICATION OR CHANGE THE SITE OR MOBILE APPLICATION OR DELETE CONTENT OR FEATURES IN ANY WAY,
AT ANY TIME AND FOR ANY REASON OR NO REASON.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION AND ELSEWHERE IN THESE TERMS OF USE APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

21. Governing Law, Jurisdiction and Venue:

This Site and Mobile Application are created and controlled by us in the State of Michigan. The laws of the State of Michigan govern these Terms of Use,
without giving effect to any principles of conflicts of laws. You agree that any action at law or in equity arising out of or relating to these Terms of
Use or the Site or Mobile Application shall be filed, and that venue properly lies, only in the State or Federal courts located in the United States
District Court for the Eastern District of Michigan or in the Michigan state court in Genesee County, State of Michigan, and you hereby consent and submit
to the personal jurisdiction of such courts for the purposes of litigating any such action.

22. General Provisions:

We make no representations that the Content on the Site or Mobile Application is appropriate or available for use in any particular location. Those who
choose to access the Site or Mobile Application do so on their own initiative and are responsible for compliance with all applicable laws including any
applicable local laws.

If any provision of these Terms of Use shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these
Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

No waiver of any provision of these Terms of Use by us shall be deemed a further or continuing waiver of such provision or any other provision, and our
failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

YOU AGREE THAT ANY CAUSE OF ACTION YOU MAY HAVE ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR THE SITE OR MOBILE APPLICATION MUST COMMENCE WITHIN ONE
(1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED.

Supply of goods, services and software through the Site or Mobile Application is subject to United States export control and economic sanctions
requirements. By acquiring any such items through the Site or Mobile Application, you represent and warrant that your acquisition comports with and your
use of the item will comport with those requirements. Without limiting the foregoing, you may not acquire goods, services or software through the Site or
Mobile Application if: (a) you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan or Syria or if you are on the U.S.
Treasury Department's Specially Designated Nationals List or the U.S. Commerce Department's Denied Persons List, Unverified List or Entity List, or (b) you
intend to supply the acquired goods, services or software to Cuba, Iran, North Korea, Sudan or Syria (or a national or resident of one of these countries)
or to a person on the Specially Designated Nationals List, Denied Persons List, Unverified List or Entity List.